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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,848 | $109,908-37.4% | $97,161-29.1% | $145,978-52.8% |
| Participation rate | 60.0% | 75.9%-15.9pp | 72.7%-12.7pp | 80.3%-20.3pp |
| Annual return | 11.31% | 243.80%-232.5pp | 75.36%-64.1pp | 550.52%-539.2pp |
| Employer contribution / active EE | $1,568 | $3,077-49.0% | $2,723-42.4% | $4,662-66.4% |
| Participant deferral / active EE | $4,110 | $4,679-12.2% | $4,265-3.6% | $6,690-38.6% |
| Admin fee / account holder | $6,492 | $6,213+4.5% | $5,647+15.0% | $13,400-51.6% |